# TEXAS SECURITY BANK
DALLAS, TX · FDIC certificate 58739 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.38B | |
| Deposits | $1.19B | |
| Loans and leases | $1.02B | |
| Total equity | $119.5M | |
| Loans / deposits | 84.86% (p44 of band) | 87.10% |
| Liquid assets / assets | 23.22% (p58 of band) | |
| Uninsured deposits / deposits | 47.74% (p88 of band) | 30.76% |
| Brokered deposits | 8.36% | |
| Wholesale funding | 12.36% (p72 of band) | |
| FHLB advances / assets | 4.00% | |
| Tier 1 leverage | 9.57% (p24 of band) | 10.50% |
| Unrealized securities loss / equity | -17.24% (p24 of band) | -7.75% |
| AOCI / equity | -0.03% (p72 of band) | |
| ROA (annualized) | 1.10% (p38 of band) | 1.26% |
| Net interest margin | 3.67% (p48 of band) | 3.70% |
| Efficiency ratio | 57.50% (p44 of band) | |
| Noncurrent loans | 0.41% (p41 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p13 of band) | |
| Reserve coverage of noncurrent | 287.43% | |
| Real estate % of loans | 82% | |
| Construction % of loans | 64.87% (p67 of band) | |
| Auto loans | $300,000 (0.03% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 17.4% | |
| Employees | 106 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | capital falling |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 0 |  | capital falling |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 0 |  | capital falling |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | capital falling |  |
| 2015-03 | 0 |  | capital falling |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | capital falling |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 0 |  | capital falling |
| 2016-06 | 0 |  |  |
| 2016-09 | 2 | uninsured deposits >50%, run vulnerability |  |
| 2016-12 | 3 | capital falling |  |
| 2017-03 | 2 |  | capital falling |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 1 |  | run vulnerability |
| 2018-06 | 4 | loans exceed deposits, run vulnerability, reserve under noncurrent |  |
| 2018-09 | 2 |  | loans exceed deposits, reserve under noncurrent |
| 2018-12 | 3 | charge-offs p90 |  |
| 2019-03 | 2 |  | charge-offs p90 |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 | brokered >10% | run vulnerability |
| 2020-03 | 2 | wholesale funding >15% | uninsured deposits >50% |
| 2020-06 | 4 | loans exceed deposits, uninsured deposits >50%, capital falling | brokered >10% |
| 2020-09 | 3 |  | capital falling |
| 2020-12 | 3 |  |  |
| 2021-03 | 2 | brokered >10% | loans exceed deposits, uninsured deposits >50% |
| 2021-06 | 3 | capital falling |  |
| 2021-09 | 4 | uninsured deposits >50% |  |
| 2021-12 | 1 |  | wholesale funding >15%, brokered >10%, capital falling |
| 2022-03 | 3 | brokered >10%, wholesale funding >15% |  |
| 2022-06 | 6 | AOCI drag >20% of equity, securities losses >30% of equity, construction >100% equity |  |
| 2022-09 | 5 |  | brokered >10% |
| 2022-12 | 5 |  |  |
| 2023-03 | 5 | brokered >10%, capital falling | AOCI drag >20% of equity, construction >100% equity |
| 2023-06 | 4 |  | uninsured deposits >50% |
| 2023-09 | 4 | uninsured deposits >50% | capital falling |
| 2023-12 | 3 |  | brokered >10% |
| 2024-03 | 3 |  |  |
| 2024-06 | 4 | deposits shrinking, assets shrinking | wholesale funding >15% |
| 2024-09 | 1 |  | securities losses >30% of equity, deposits shrinking, assets shrinking |
| 2024-12 | 2 | securities losses >30% of equity |  |
| 2025-03 | 1 |  | securities losses >30% of equity |
| 2025-06 | 1 |  |  |
| 2025-09 | 2 | capital falling |  |
| 2025-12 | 1 |  | capital falling |
| 2026-03 | 1 |  |  |
| 2026-06 | 0 |  | uninsured deposits >50% |

## In the news (Google News, unfiltered, newest first; check the city)

- 2023-04-17 [Texas Security Bank expands with new Southlake location - Fort Worth Report](https://news.google.com/rss/articles/CBMimwFBVV95cUxNUDhTSzcyejAxMmRzRGR6Mkpqb3U2V3l6aWtsRmRCQWZMSHlsM1dGZjVGOEpNTUkzaUNrTXpZbHFFOGJ4SEMxY1VTci1NWDFhMHV6QUdQNkRwTWd3NWRtVks2NE1SQm8xSjVoZzlJRk9TYTFCU2JUSFNpakNIOVU5NndFMnFVY0YtR3lIUXF4RUtaX29XSnNtM1FHTQ?oc=5) · Fort Worth Report
- 2022-07-22 [Craig Scheef of Texas Security Bank: Five Things I Wish Someone Told Me Before I Became A CEO - medium.com](https://news.google.com/rss/articles/CBMi2wFBVV95cUxOV1hmR3BMbWNWRTkzRnZZUVE0WlNTTnZfSFktQ19GanhDU0ZmcWJTc2IwWXQ0WXUyOHFyZHRNMzVDV3J5d0UyZTZOLWhvMkhCVmFvVG0wemo1NVg2MHp6UkRFOUowYnk1QWpxSWdVenBHMy1MenR1UVJ2SHNEQ0t6TjNIdGx5WHlqRVhmZzFEZnh2elU0WVNLRVRKdk5kUXowanRBUjRSMHZsUHFpZUd3TktjQUlFWkF4bVJTakstME5LUDk4a3cwTjQ2OF9PSUlBSHE5V3J3MVJiUlE?oc=5) · medium.com
- 2022-03-22 [Coffee With: Craig Scheef, CEO of Texas Security Bank - D Magazine](https://news.google.com/rss/articles/CBMipgFBVV95cUxOdXl0Wm4xX285WUo1NjJWOHZ0cGV0eVFORkVnbXBHTDlNcUZIVzJvd0RUWUNULVJIUGhfLXlVZDlSeWRYbnUzeWRkT016Q1RUZGJwOHFLckpmcnZjWUkxdFRFZ2kxVWp3b1NodDBhV0x0dFN2RmpJUWljZzdGSlM1TzI0bXpvSkdfQW1kMloyYkpwQ2FWZnZUOG4yMzRuTVN0bms3TGZB?oc=5) · D Magazine
- 2024-02-28 [DFW's wealthiest ZIP code catches big bank's attention - WFAA](https://news.google.com/rss/articles/CBMi3gFBVV95cUxPWHAwSTR5UVo2cUlSYXFJQ3d1UzIwTEdKOEthSGFyZmRmNTh0dU0tUGNmN29MZVhvRlphai00YlVvMy1PS3V4blRlMGtCTHE4NGotTmR1eTFSVVRtZENnU3FMNlNOYTRIMnkyRnpMZFZleU92VDg4U0NsRWVJNmtBM3BDWDF4WVViYlJ3NThFOU4zWnlVX0w4cEFldFp5dy1OdnpzeTJJRDREbGRXVEh6Vnlid1JYQ3FvQWRNZnRfb0IyMkpCaXdTSTgtYnVVRmdSYVhTenBaRmlNaFFLWUE?oc=5) · WFAA
- 2023-05-02 [On the Links With: Jamie Britton, Texas Security Bank’s CFO and COO - D Magazine](https://news.google.com/rss/articles/CBMipgFBVV95cUxPOXVkN0xTVkptOGpJQVBpV2Fhb3M2dWZQZXk2TWlwR1hDYjBUdGpaRFg5SE1TZVVKdldVZzZRaXVxZl92aHhCTjlta2NwU0NaUTJ0TmlVa28xaHg5Ylh2djlKU0JJXzRYdktPbkY1dmZfam5tOXZzZGR2WEl6cmJHVXJGdFgzLUtUVU4yNnFtV2VYV3h2YWRTSGNuQi1KaTVOWVdOel93?oc=5) · D Magazine
- 2021-01-19 [Meet the Finalists: Leaders From Texas Security Bank, MoneyGram, Zirtue, Payrix, and ImpactXPartners - D Magazine](https://news.google.com/rss/articles/CBMi8wFBVV95cUxPUEV0NTBpVk1ZTU01VUhDZ3FXajhiOUp5SkxaeENOSWtJbU03a0N4a1NjY0lVb3EtQkgzZmxhLUs1QVhMbWlnSlZERkM2VW5wdEhjaEtyWnM1QVp4S3VCa3pTWVFoWElUOENud3NCcHNRNVFZX1htMnNkVVB5ejJxak1kYVlfYlQ0VGdsNFg0UXgzeDJac2xaSWo5ekxLNE10ME9hSjZoUWlUYVY5WGVnYW1tcDZVdXRyd3JxaWlaZjBPY25IT1c2M1gwTHJvNkg1YnVZNGJTdUh0UWN0SHhwbjBfS1JidzNiODBuT0RnVm93S3M?oc=5) · D Magazine
- 2025-07-31 [Elliott Raymond Lewis Obituary (2025) - Boerne, TX - Ebensberger-Fisher Funeral Home - Legacy obituary](https://news.google.com/rss/articles/CBMiggFBVV95cUxOc2hTOGk5MGJ5VW4yaVVIVlpxTzdTNWZjOFFDa3YyOTFvUTQ4QVVLQWlkaFV5M0preVFySnBjTXZUYjVVV0xuNUhvb0w4N0gxOWRoa1lsSl9tQ2F5dTFxTGlRMm4tVU5FcGNhRnZ5NGNIejdpZFJnVlpvaXdiaks3ZzRB?oc=5) · Legacy obituary
- 2022-05-01 [Face of Women in Banking - D Magazine](https://news.google.com/rss/articles/CBMihgFBVV95cUxOREwwYjFMT3hLNDgyeVdTUlRndDlPemV4VFg4ekhfeXNtcG9XU2hYc0dXcDAta1FfVnVudXVXYmJtLWprTkdGSldhdURQNUdhY2VHbHRXdXlkMndYcUJyMmdQa1l5UFhIejVwcWVWX2hpZWM4Zk9NckFTdWhPNHl3LXFwNzNUZw?oc=5) · D Magazine

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58739 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/51.json (key "58739", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide